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Vehicle Protection Plans

Types of Vehicle Service Contracts

Although every vehicle service contract (VSC) provider has different elements of their contracts, there are four types of contracts consumers see most.

Powertrain coverage is normally the least expensive contract, but covers some of the most expensive items on a vehicle. Powertrain covers engine, transmission, drive axles and transfer case. Actual components covered vary from provider to provider, but this coverage ensures that the costs that normally put the biggest dent in your wallet are taken care of.

Powertrain Plus
Powertrain Plus coverage is mainly intended for older vehicles and, though it can be a bit more expensive, it covers the major systems that are most likely to need attention on a high mileage vehicle. In addition to all of the Powertrain coverage mentioned above, this plan also may protect such items as brakes, fuel system, steering, air conditioning, the engine cooling system and the electrical system.

Named Component (Total Coverage)
The Named Component plan expands service covered by the two Powertrain plans, but also covers several other vital systems. Under Named Component you may have protection over everything mentioned above plus wiper and antenna motors, power doors and windows, cruise control and some other electronic components, for example.

Exclusionary coverage is the most comprehensive plan a customer can purchase, and in turn can be the most expensive. Also known as a bumper-to-bumper plan, this plan covers almost everything on the vehicle except for those items explicitly listed as exclusions. Some typical exclusions include: air bags, batteries, tires, glass, light bulbs, etc.

Whichever coverage you choose, ask to make sure that all internal and external parts of the covered component are included in the policy as well as identifying the events that could cause the policy not to apply.

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